Insurance Claim
Insurance Claim | Storm Damage Restoration | Roofing | Jonesborough
When fierce Appalachian weather batters your roof, HEP Home Services is the local team that turns stress into relief. Our certified roofers move fast to document damage, meet adjusters, and navigate every line of your insurance paperwork—so you don’t have to. From emergency tarping to seamless shingle matching, we combine friendly small-town service with the latest materials and warranties, restoring curb appeal and peace of mind.
Choose HEP for storm damage restoration in Jonesborough and you’ll get more than repairs; you’ll gain advocates who fight for the coverage you deserve. Call today for a free inspection, and let us put your claim on the fast-track back to “home sweet home.”
FAQs
How can I tell if my roof has storm damage that qualifies for an insurance claim in Jonesborough?
Look for obvious signs such as missing or lifted shingles, dented metal components, bruised or cracked shingles, granule loss visible in gutters, torn flashing, and water stains on interior ceilings or walls. After severe wind, hail, or heavy rain, it’s smart to schedule a professional inspection even if damage isn’t visible from the ground—many issues are subtle but still covered by insurance. Our Haag-certified inspectors document damage with photos and written reports that meet insurer requirements.
What steps are involved in filing a roof storm-damage claim with my homeowners insurance?
1) Contact our office to arrange a free storm-damage inspection. 2) If damage is confirmed, review your policy and call your insurer’s claims hotline to open a claim—have your policy number and loss date ready. 3) An insurance adjuster will schedule a visit; we meet the adjuster on-site to discuss our findings and ensure nothing is missed. 4) The carrier issues a written scope of loss. 5) We review the scope with you, negotiate any supplements, and finalize the claim. 6) Once funds are released, you sign a contract with us, we pull all permits, restore the roof to code, and submit completion photos/invoices so the insurer releases any remaining depreciation payment.
How long do I have to file a storm-damage claim on my roof in Tennessee?
Most Tennessee homeowners policies require you to report storm damage "promptly"—usually within 30–60 days of the event—although you technically have up to one year from the date of loss to take legal action if a claim dispute arises. Because wind and hail damage can worsen over time, and insurers can deny late claims, we recommend contacting us and your carrier as soon as you notice or suspect damage. Acting quickly protects your coverage rights and helps prevent secondary issues like leaks or mold.
Will filing a roof storm-damage claim raise my homeowners insurance premiums?
Storm-related claims (wind, hail, tornado, etc.) are considered "acts of God." In Tennessee, insurers generally cannot single you out for a rate hike solely because you filed one weather-related claim. However, carriers may adjust rates for entire regions after a catastrophe. If your roof truly has covered damage, the cost of repair or replacement almost always outweighs any small potential premium adjustment. Skipping a valid claim leaves you paying out of pocket and can reduce the resale value of your home.
How does your Jonesborough roofing company help with the insurance process?
We act as your advocate from start to finish: (a) provide a no-cost, no-obligation inspection; (b) supply detailed photo documentation and an Xactimate estimate in the same software most insurers use; (c) meet your adjuster on-site; (d) handle supplemental paperwork if hidden damage, code upgrades, or manufacturer-required components are initially omitted; (e) schedule, permit, and complete all roofing, gutter, fascia, and interior repairs under one contract; and (f) invoice the insurer directly, so you only pay your policy’s deductible.
What should I expect during the roof restoration timeline after storm damage?
Once your claim is approved, material selection and scheduling typically take 1–2 weeks, depending on shingle availability. The average asphalt shingle roof in Jonesborough is removed and replaced in 1–2 days; larger or specialty roofs can take 3–5 days. Our crew protects landscaping, installs ice & water shield where code requires, upgrades ventilation if needed, and completes a final magnetic nail sweep. A quality-control inspector performs a walk-through with you and submits completion paperwork to your insurer. Most homeowners receive their final depreciation check within 1–3 weeks after completion.